warren's book, "the two income trap," for seeing how that dynamic works. i would just as soon use the gses as goth corporations to -- government corporations to try to establish some really good rules for how the market should work. and ingrain those rules in the pattern of transactions that we have going forward rather than benefit a whole bunch of holders now. they've lost most of their value. a whole bunch of holders now who are probably betting on a really good lawsuit. >> final questions? great. well, thank you, tom. >> [inaudible] >> oh, there's one? in the back, sorry. >> how do you think the obama administration is doing now with in terms of when, what they're disclosing how they're using the gses, what they're doing with the gses and whether you think they actually know what they should do with the xse -- gses? >> i don't know the answer to any of those questions, but once again, i'm always a sucker for conjecture. i have a feeling that they are whip sawed by the same tension between having private owners. remember, the government only owns warran